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Complaint Details
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Initial Complaint
08/01/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
In accordance with the Fair Credit Reporting Act Convergent, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Accounts/Number: ********** * ************* (4 Accounts #***************), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions 15 U.S.C 1681c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code § 1681 to (4) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer’s right to privacy.
Business response
08/05/2024
Pertaining to ***** ******** federal student loan account, we reviewed their concerns and provide the attached response
We currently service your Federal Direct Stafford Loans on behalf of ED. In accordance with our agreement with ED, we furnish your account data to the CRAs. As a data furnisher, under the Fair Credit Reporting Act, we have an obligation to ensure the data we furnish is complete and accurate. Any information we share is in accordance with the U.S. Consumer Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal information. Enclosed is a copy of ED’s privacy notice which states that for every day business purposes, such as to process your transactions, maintain your account, respond to court orders and legal investigations, or report to credit bureaus, we do share your information and you may not opt out of this sharing. We are unable to delete this information from the CRAs.
Business response
08/14/2024
Pertaining to Aaron Arthur's federal student loan account, we reviewed their concerns and provide the attached response.
We appreciate your feedback on your BBB Rebuttal case. We understand you still have concerns
related to us violating your consumer right to privacy and our previous response.
We responded to your similar concerns with our response dated August 5, 2024. Please note that
we provided you with a clear, readable copy of ED’s privacy notice. Any information we share is in
accordance with the U.S. Consumer Privacy Notice, which offers you certain choices with respect to
the use and sharing of your personal information.
Please understand we have made every reasonable effort to respond to your concern. If we do not
receive new information substantiating your claim, we may file your concerns without additional
action.
If you have any other questions, you may call us at ************ from 8 a.m. to 9 p.m. (Eastern)
Monday, 8 a.m. to 8 p.m. Tuesday and Wednesday, and 8 a.m. to 6 p.m. Thursday and Friday. You
can also email ********************************************* orCustomer response
08/15/2024
Complaint: *******1
I am rejecting this response because: Provide the total account and general ledger statement showing the full and complete Accounting of the alleged obligation you are attempting to collect from me, signed and sworn to by the authorized person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and are able and willing to testify to the same under oath to that effect. Provide a true and certified copy of the complete audit trial of said account(s). Furthermore, please provide verification through the audit certification of debt entry in accordance with g.a.a.p., i.f.r.s, in accordance with basel 3 accord and u.n.c.i.t.r.a.l conventions. I would also need a copy of your tax registration certificate. Failure to substantiate claim, DELETE ACCOUNTS IMMEDIATELY & INDEFINITELY!
Sincerely,
***** ******Initial Complaint
07/27/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Requesting my student loans be released and fully refunded based on school misconduct, consumer protection laws and the Holder in Due Course Rule. Loan: ******* Loan: ******1 Loan: ******* To whom it may concern, I am writing you to request the process for private student loan relief. Please send me information and an application to apply for the cancellation of my student loans on the basis of fraud and misrepresentation of my former school. I am entitled to a process for private student loan relief because of the school's misconduct. Career Placement Investigation In 2011, after receiving a subpoena from the New York attorney general’s office requesting information about its career placement statistics, CEC hired outside legal counsel to conduct an extensive audit and subsequently revised 2010 placement rates for 4* of its campuses to correct “irregularities.”1416 The 2010 job placement rates at all 4* campuses were incorrect, and 36 of those campuses’ newly revised job placement rates were below the campus accreditor’s minimum threshold of 65 percent job placement. 1418 These recent revelations of systematic misreporting by CEC also indicate the weaknesses of its accreditors’ verification of placement rates. These 4* campuses are accredited by the largest national accreditor, the Accrediting Council for Independent Colleges and Schools (ACICS). ACICS has stated that it independently verifies each program’s job placement rates. However, significant doubt is cast on this assertion given the broad scope of CEC’s falsification.Business response
08/01/2024
Pertaining to **** ******* federal student loan account we reviewed their concerns and provide the attached response.Initial Complaint
07/25/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Nelnet is continuing to be willfully They non compliance to the cfpb act. N Horrific elnet is in direct violation of 1681c-2(a) I filed an identity theft claim with nelnet on June 25 2024 to which the claim has not been blocked or answered in the appropriate time frame. Nelnet not only didn’t process my identity claim under 1681c-2 but they have not even processed my claim in the allowed time under 15 usc 1681i (a)(1)(a) to which they has 30 days to investigate incomplete or inaccurate information. This is the second time nelnet has not processed my claim or request ending in a violation of my right.Business response
08/02/2024
Pertaining to ******* ***** federal student loan account, we reviewed their concerns and provide the attached responseInitial Complaint
07/24/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am writing to formally complain about the repeated and unprofessional handling of my affirmation agreements by Nelnet. Since May, I have uploaded three affirmation agreements, each time facing a different issue without receiving comprehensive guidance from Nelnet. First Submission (May): My school contacted me indicating that Nelnet advised the amount on the form was incorrect. No further details or corrections were provided and I wasn't contacted by Nelnet to advise of this error. Second Submission: The full social security number was missing. Again, I was not informed of this issue promptly. It has been six weeks since the second submission to correct the school's error regarding the amount listed on the form. And the full social security was missing from the first submission of the form so why wasn't this indicated as an error during the initial communication regarding the amounts? Each time I submit the form, I receive feedback indicating a different error. Nelnet has not thoroughly reviewed the forms in a timely manner nor communicated all required corrections at once. It takes over two months to receive any communication regarding the form, and despite their delays and lack of thorough communication, Nelnet has indicated they will not expedite the form. This inefficiency and lack of proper communication have caused disruptions to my academic progress. I have missed my entire summer semester of graduate school due to not receiving a financial aid award because of an overpayment, and this form is needed before any additional award can be made. This delay will impact my fall financial aid award, jeopardizing my December graduation. The continuous mishandling of my affirmation agreements is unacceptable and has had a detrimental impact on my education. Nelnet needs to review the affirmation agreement promptly and provide a resolution that rectifies the delays and ensures no further hindrances. Thank you.Business response
08/02/2024
Pertaining to ****** ************** federal student loan account, we reviewed their concerns and provide the attached response.Initial Complaint
07/24/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
PLEASE SEE ATTACHMENT
I have obtained a copy of my credit report, and it shows late
payments on the above account. Specifically, it states that I was
never 180 Days late in Jun 2018 , Update this account to paid as
agreed, never late. This is very disturbing, and it is doing serious
damage to my credit rating. As you know, you are required by law to
make sure that my bills are accurate. You must send my bills to mBusiness response
08/02/2024
Pertaining to ***** ******* federal student loan account we reviewed their concerns and provide the attached response.Initial Complaint
07/23/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I have been in graduate school since August 2023. I have called Nelnet multiple times to get my loans in deferment, have escalated multiple times, and filed all the paperwork. They have YET to do it, almost a year into being back in school. My other loans (Perkins) automatically went into deferment, so I know it is being reporting correctly to The ******** House. At this point, it’s either gross negligence or an attempt to exploit my account.Customer response
07/30/2024
Nelnet finally processed the deferment correctly, after I submitted this complaint and then called them.Initial Complaint
07/19/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. DEPT OF EDUCATION/NELN - Balance - $4,526.00 Date Opened: 09/26/2014Business response
07/31/2024
Pertaining to ********* ********* federal student loan account, we reviewed their concerns and provide the attached response.Initial Complaint
07/08/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
Nelnet student loan web site has been down for over 3 weeks beginning 6/1/24. I am not allowed to make extra payments or verify when and what amount scheduled payments are for. This is costing me approximately $400 per month in interest payments and preventing my Student Loan from being paid off quickly.Business response
08/02/2024
The below message was sent directly to Nelnet Bank. I’m unclear where the Bank’s internal email address was obtained from; however, the referenced complaint is not associated with a Nelnet Bank customer. Can you please have this complaint rerouted to Nelnet Loan Servicing?
Please let me know if you have any questions.
Business response
08/08/2024
Pertaining to ******* ********* federal student loan account, we reviewed their concerns and provide the attached responseCustomer response
08/09/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that the site is functional on a daily basis again. However, as you can see from attachment, all payments made over the last two months went to interest because I was unable to make additional payments because the site only allowed me to access it 2x between 6/28/24 - 08/01/2024. Consequently, Nelnet should be required to negate all interest expense during July 2024.
Sincerely,
******* *******Initial Complaint
07/05/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I’m filing a complaint against Nelnet because I called them the begging of May 2024 to let them know I need to file a Reaffirmation document, the lady on the phone said she would send in a request for me. I waited for a week or two and called in again and that person then told me I needed to go online and fill out the Reaffirmation Agreement form myself and submit it online. I then uploaded the document and I keep calling in but all they do it give me the run around about how it takes months for them to process it. My financial aid for the summer has been on hold at my current school because they are taking months to process a document. This has been very stressful and I just want my approval letter to send to my school.Business response
07/11/2024
Pertaining to ***** *****' federal student loan account, we reviewed their concerns and provide the attached response.Initial Complaint
06/24/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
My student loans have had a zero balance for almost a year. As of today I am in receipt of a bill from nelnet for over $3,500. They have chosen to create new balances on my paid loans and to charge me interest on them. I have reviewed my account from with Federal Student Aid which shows I have a ZERO balance for all loans. Nelnet is attempting to scam me and possibly others by creating fictitious balances on loans. I demand an apology letter and a statement showing AGAIN I have zero balance.Business response
07/02/2024
Pertaining to ***** ********** federal student loan account, we reviewed their concerns and provide the attached response.
We are writing in response to the inquiry you submitted to the Better Business Bureau regarding
your federal student loan account with Nelnet. On behalf of your lender, the U.S. Department of
Education (ED), we service your federal student loans. We take your concerns seriously and
appreciate the opportunity to respond.
As we understand it, your federal student loans have had a $0.00 balance for almost a year,
however, you received a statement reflecting a balance of over $3,500. You are requesting an
apology and a statement confirming that you have a $0.00 balance.
Based on your concerns, we have carefully reviewed your account. We are able to confirm that your
account has a $0.00 balance. We apologize for the confusion caused by the statement we sent
indicating that you had a balance. This statement was sent while adjustments were being made to
your account based on your approval for forgiveness of your loans due to the one-time Income?Driven Repayment (IDR) adjustments offered by ED.
If you have any other questions, you may call us at ###-###-#### from 8 a.m. to 9 p.m. (Eastern)
Monday, 8 a.m. to 8 p.m. Tuesday and Wednesday, and 8 a.m. to 6 p.m. Thursday and Friday. You
can also email [email protected] or visit Nelnet.StudentAid.gov.Customer response
07/09/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********* and find that this resolution is satisfactory to me.
Sincerely,
***** *********
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Get a QuoteCustomer Complaints Summary
973 total complaints in the last 3 years.
737 complaints closed in the last 12 months.